Love, Loans & Legalities: How to Protect Your Asset When Buying with a Partner

You’ve found someone you love.

You’re planning your future together—maybe talking about dream suburbs, kitchen tiles, or baby names.

And now… you’re thinking about buying property.

It feels exciting. Grounded. Like you’re building something real.

But then that little thought creeps in…

“What happens to my half if we break up?”

“Is it awkward to ask for protection?”

“What if I’m putting in more money—do I just trust it’ll be ‘fair’ later?”

Let’s get one thing straight: asking these questions doesn’t mean you don’t trust your partner. It means you trust yourself. You trust your intuition. You know that love and clarity can co-exist—and when they do, everyone feels safer.

Let’s talk about protecting your asset.

Because here’s what I see too often: amazing women buying property with their partners, not fully understanding how ownership works or what happens if life doesn’t go as planned. And then something shifts—a breakup, a change in income, a disagreement about selling—and things get messy.

It doesn’t have to be that way.

The truth is, there are ways to buy together while still protecting your personal contribution and creating clarity from the start.

It starts with how the property is structured—how your names go on the title, and how the loan is set up. Most people assume it’s just 50/50 by default. But if you’re contributing more—whether that’s a bigger deposit, family help, or managing most of the repayments—you may want to legally own a bigger portion.

And you absolutely can. It just needs to be defined clearly from the beginning.

Now let’s talk about what most people avoid: the legal agreement. Yes, the one that spells out who owns what, how expenses are shared, and what happens if one of you wants out. Some call it a property prenup. I call it peace of mind.

Getting this in writing isn’t about being cynical. It’s about protecting both people from future misunderstandings. And in my experience? The best relationships are the ones that make space for these real, practical conversations early on.

Another thing I always recommend—especially to women—is to keep a record of your contributions. It might feel unnecessary when things are great, but if you ever need to clarify what you’ve put in, you’ll be so glad you kept the receipts (literally and figuratively).

So no—it’s not “too soon” or “too intense” to ask these questions. It’s smart. It’s strong. And it shows you’re not just buying into a dream, you’re investing in a future.

And finally? Get the right support around you. You need a broker who sees the full picture—not just your numbers on a spreadsheet. You need someone who asks the deeper questions, helps you understand your options, and empowers you to make decisions that protect your autonomy.

That’s what She Owns is here for.

We help women navigate the emotions, the structure, and the strategy behind smart borrowing decisions—especially when you’re sharing that journey with someone else.

Because protecting your asset isn’t just about what you own. It’s about protecting your voice, your equity, and your ability to move forward with strength, no matter what the future holds.

You can be in love, in partnership, and still in control.

And that, my friend, is a beautiful thing.